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United Bankshares, Inc. (UBSI)
NASDAQ: UBSI · Real-Time Price · USD
46.74
-0.12 (-0.26%)
Sep 28, 2026, 12:33 PM EDT - Market open

United Bankshares Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Income
515.15504.5464.6430.18394.7370.49373357.98358.87354.82366.31386.69393.12396.27379.63353.71343.28342.5367.74386.26
Depreciation & Amortization
25.52626.523.9522.5221.0919.6621.5120.1921.322.6220.3223.0423.3224.119.0620.6922.222.8223.79
Gain (Loss) on Sale of Assets
0.10.10.10.320.320.320.320.350.350.350.350.460.460.460.460.460.460.460.461.21
Gain (Loss) on Sale of Investments
4.254.254.252323232322.8822.8822.8822.8812.7912.7912.7912.7910.0410.0410.0410.046.8
Total Asset Writedown
0.060.060.060.220.220.220.220.950.950.950.951.121.121.121.124.64.64.64.65.19
Provision for Credit Losses
53.8753.8753.8725.1525.1525.1525.1531.1531.1531.1531.1518.8218.8218.8218.82-23.97-23.97-23.97-23.97106.56
Net Decrease (Increase) in Loans Originated / Sold - Operating
22.6522.6522.6527.9627.9627.9627.9626.526.526.526.5334.11334.11334.11334.11375.63375.63375.63375.63-6.88
Accrued Interest Receivable
-6.82-6.82-6.829.019.019.019.01-16.53-16.53-16.53-16.53-30.37-30.37-30.37-30.372.562.562.562.561.11
Change in Other Net Operating Assets
-29.93-29.93-29.934.654.654.654.6515.1715.1715.1715.1761.2561.2561.2561.2529.7529.7529.7529.7537.66
Other Operating Activities
-32.86-38.5-39.98-44.5-34.62-37.15-33.8425.09-8.53-1.84-20.87-365.12-330.09-192.05-10.7361.06137.35201.58-27.3429.74
Operating Cash Flow
555.58539.78498.91496.27469.24441.07445.45471.75437.7441.45435.24409.71453.9595.37760.82680.12747.6812.56609.54738.98
Operating Cash Flow Growth (YoY)
18.40%22.38%12.00%5.20%7.21%-0.09%2.35%15.14%-3.57%-25.85%-42.79%-39.76%-39.29%-26.73%24.82%-7.96%77.87%307.19%334.00%4615.28%

Investing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Capital Expenditures
-21.65-18.66-17.71-15.08-12.44-11.25-12.13-12.54-12.71-13.01-11.69-13.49-17.46-16.8-16.86-15.87-14.97-16.16-15.38-16.04
Sale of Property, Plant and Equipment
1.141.441.441.450.370.040.10.130.170.142.542.522.522.810.90.90.92.171.621.57
Cash Acquisitions
--77.4877.4877.4877.48---------39.4239.4239.4239.42-
Investment in Securities
-212.1-154.4774.4322.12435.91803.46882.85723.19743.53835.6819.87827.45600.29-3.75-1,087-1,446-1,595-1,483-813.94-704.28
Purchase / Sale of Intangibles
----12.4912.4912.4912.49-23.4523.4523.4523.45-------
Net Decrease (Increase) in Loans Originated / Sold - Investing
-961.93-1,017-1,041-903.74-445.62-335.16-318.05-571.97-833.2-906.71-800.97-1,192-1,634-2,056-2,367-1,649-768.04285.77882.151,201
Other Investing Activities
4.054.35.99.249.378.346.224.845.745.85.812.7513.5521.7422.5213.06-24.49-83.11-78.21-80.46
Investing Cash Flow
-1,190-1,185-899.31-510.6877.56555.24571.49155.94-97.55-54.8738.99-340.39-1,013-2,053-3,448-3,052-2,356-1,24915.65411.59

Financing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Short-Term Debt Issued
--22.48-------35.4---31.85-----
Long-Term Debt Issued
------250---1,500---1,900---500-
Total Debt Issued
22.4822.4822.48--957.42-1,212250657.82826.78487.631,5352,5463,8484,4341,932513.63-4.63500500
Short-Term Debt Repaid
-------20.01------------40.21-
Long-Term Debt Repaid
---30.58----1,500----1,910----520----597.79-
Total Debt Repaid
-36.86-52.9-30.58-43.53-45.3-30.08-1,520-1,514-1,500-1,500-1,910-2,410-2,410-2,430-520-88.72-94.05-88-638-635.34
Net Debt Issued (Repaid)
-14.38-30.42-8.09-43.53-1,003-1,242-1,270-856.31-673.22-1,012-374.85135.551,4382,0031,412424.91-94.05-83.38-138-135.34
Issuance of Common Stock
3.152.560.754.114.784.895.271.711.010.891.753.965.486.8310.38.767.226.775.215.31
Repurchase of Common Stock
-210.34-176.9-126.99-79.41-52.91-20.36-1.04-1.04-1.04-1.04-1.38-1.38-1.38-54.77-79.46-79.46-79.45-26.06-11.21-31.92
Common Dividends Paid
-211.88-211.91-209-206.71-204.21-201.07-200.73-199.26-197.79-196.21-194.73-194.57-194.37-195.04-193.04-189.77-186.5-182.49-181.28-181.41
Net Increase (Decrease) in Deposit Accounts
834.97756.48993.74949.841,1641,3391,1431,152697.38636.1517.27-185.17-655.24-1,188-1,044-469.42-57.38561.511,2491,570
Financing Cash Flow
401.52339.82650.41624.3-90.97-118.77-323.6497.08-173.65-572.63-51.94-241.61592.74572.86105.32-304.98-410.16276.35923.911,226

Net Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Cash Flow
-233.39-305.15250.01609.89455.83877.54693.3724.78166.5-186.05422.29-172.2933.87-884.4-2,582-2,677-2,019-160.051,5492,377

Free Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Free Cash Flow
533.93521.12481.19481.18456.8429.81433.33459.21425428.44423.55396.22436.43578.57743.96664.25732.63796.41594.16722.94
Free Cash Flow Growth (YoY)
16.89%21.24%11.05%4.78%7.48%0.32%2.31%15.90%-2.62%-25.95%-43.07%-40.35%-40.43%-27.35%25.21%-8.12%82.44%342.93%389.33%-
Free Cash Flow Margin
42.70%42.31%40.03%42.05%41.98%41.33%42.92%45.36%41.94%42.30%41.36%38.29%41.81%55.10%72.17%65.89%73.14%79.45%56.87%67.65%
Free Cash Flow Per Share
3.813.693.393.423.293.133.203.403.153.183.142.943.244.295.514.955.516.064.595.60

Additional Metrics

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash Interest Paid
581.62581.62581.62590.64590.64590.64590.64468.12468.12468.12468.1298.1698.1698.1698.1654.5954.5954.5954.59115.35
Cash Income Tax Paid
114.46114.46114.4686.2286.2286.2286.22106.08106.08106.08105.4693.6893.6893.6893.68101.23101.23101.23101.2365.38
SEC Filings: 10-K · 10-Q